Student Driver
Car Insurance

Specialist car insurance for Students
and those at university
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Cheap Student Car Insurance

A student life is never cheap. Tuition fees, accommodation costs and living expenses all quickly add up to eye-watering amounts. The last thing you want to add to your budget is car insurance. However, when you have invested time and money into learning to drive, it would be a shame to miss out on the freedom of driving your car. After all, as a student, a car gives you greater convenience, practicality and more opportunities for your adventures during your student days. To help you save as much money as possible as a student, MyFirst offers specialist car insurance for students. We search for the best deals to save you money but also save you time too. You can search for a quote online or chat with our helpful advisors via web chat or on the phone.

Why Do I Need Student Car Insurance?

If you have a car and use it, then your vehicle needs to be insured. Even if you leave your car at home when you go to college or university, your vehicle will still require insurance or, if it is not in use, it will need a Statutory Off Road Notice (SORN). It is important that you always have insurance or a SORN in place so that you can comply with the Continuous Insurance Enforcement legislation. Failure to do so is an offence and may lead to a fine.

Save Money With Car Insurance For Students

Many students fall into the 17 – 25-year-old age category which is typically considered as high-risk by insurers which often means expensive insurance premiums. Added to the higher risk for accidents
and insurance claims due to lack of driving experience is the added concern that students and their universities tend to be located in cities, which can also increase car insurance premiums. Furthermore, students will often live in areas with higher crime rates. As well as this, there are usually fewer options for safe places to park the car, all of which work against students to increase their premiums. However, for many students, a car is crucial and a fantastic opportunity to explore the area with friends and fellow students. MyFirst wants to make it as easy as possible for students to enjoy their car at university by finding the best deals and the cheapest student driver insurance.

Black Box Car Insurance For Students

One of the best ways to save money on student car insurance is with black box insurance. Black box insurance or telematics insurance works by installing a small device in your car. This device will then
monitor your driving habits. It will record the typical times that you use your car, your adherence to the speed limits as well as your driving style when it comes to braking, acceleration and cornering.
The safer you drive, the more your premiums can be lowered. Black box insurance is a great way to receive a policy based on you as an individual, rather than just your age range. Furthermore, black box insurance doesn’t impose any night-time restrictions for driving. However, if you typically drive at the times that are considered risky, such as midnight to 6am, then you may see an increase in premiums. However, if you typically drive at safer times during the day, then you may be able to save much-needed funds through cheaper car insurance.

MyFirst will also offer the best price at the beginning of the policy, so you don’t have to worry about performance-related schemes or midterm fines for excessive braking or acceleration, for example. What’s more, the MyFirstUK team know students are super-busy. With a telematics policy, you will receive a dedicated account manager who will keep you up to date on your driving dashboard and the progress of your policy, so you don’t have to worry.

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Cheaper insurance for young drivers

Don’t let high premiums inhibit your freedom. MyFirstUK can help you find cheap insurance for young drivers through a range of different insurance options. Talk to us about the best methods for your needs.

Car insurance for under 25s

For young drivers, your premiums are much higher because there is a higher likelihood you will have an accident and make a claim. You can prove you have good driving habits to reduce premiums with black box insurance.

Car insurance for young people

We do insurance for both boys and girls to get the best price possible. While this may seem unfair, MyFirstUK will shop around for you to find the best deal and cheapest premiums regardless of your gender.

Why insure with us?

We're super speedy

Use our simple online form, or speak to a friendly team member to find the best deal on your car insurance.

Young driver insurance specialists

We specialise in helping young people like you to find quality car insurance.

A proven track record

On top of our award-winning insurance, we’re proud to offer unrivalled customer service, with thousands of happy customers.

Why choose MyFirstUK for New Driver Insurance?

  • Quick and convenient for busy students
  • A range of communication options
  • Excellent customer service
  • Always looking for the best deals possible
  • Specialist young and student driver insurance provider
  • Flexible payment options
  • Committed to saving your money.

The three types of car insurance

Third party

This is the minimum level of cover you can need by law. This coverage will only pay out if you cause damage to other people’s property or need to pay compensation or injury-related costs to other people. Third party insurance does not cover you as the driver; it also won’t cover repairs or replacement of your vehicle. Despite having the lowest coverage, third-party insurance is typically the most expensive as the drivers that usually choose this policy are 18% more likely to crash.

Third Party Fire and Theft

As well as the coverage you receive with third party insurance, this type of policy will also cover you if your car is stolen or damaged by fire. This type of insurance can be ideal for those with a cheaper vehicle. However, similar to third party insurance, it is often not the most competitive policy available.

Fully Comprehensive

This type of insurance has the highest level of cover. It will cover damage to third party vehicles as well as damage to your own vehicle. It will also cover a high range of causes of damage such as accidents as well as fire and theft. Fully comprehensive insurance used to be the most expensive. However, younger drivers then started to opt for third party and third party fire and theft insurance to get a cheaper deal. As the risk in these categories increased, so did the premiums. Now, fully comprehensive is often the cheapest insurance option available.

How Do I Get The Best Student Driver Insurance?

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Tailored Cover

Get the right policy for your needs to save you money, whether you take your car to university or leave it at home.

Reduce your Mileage

It may help to reduce your premiums if you lower your annual mileage if you can reduce the amount of driving you need to do.

Check for Offers

Student discount can apply to car insurance too. Don’t forget to ask for any ongoing student offers.

No Claims Bonus

Keep building your no claims history through university to lower your premiums in the future.

Value for Money

MyFirstUK will compare the market for you and look for the best value deals to suit your needs.

Pay up front

Paying upfront for a full year is often cheaper than instalments. However, we offer flexible payment option with low deposits too.

Type of car

The type of car you choose will dictate the cost of premiums, small and practical will be cheaper than sporty and powerful.

Add named drivers

Adding other drivers, with plenty of driving experience, which use your car can lower your premiums.

Black box insurance

Pay a premium based on your own driving style and habits rather than that of your peers.

Consider parking spaces

Parking your car in a safe place such as a well-lit neighbourhood, or a driveway can save you money.

No Modifications

Pimping your car can add to the premiums, avoiding modifications can help to keep costs low.

Increase The Excess

If you can afford to pay more in the event of a claim, then it may reduce your overall premiums.

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